🥇 Your Everyday Points Powerhouse

If you’re looking for one go-to card to earn travel rewards quickly from your daily spending, the Amex Cobalt is hands-down one of the best.

Why It’s Great

* Flexible points.
* Transfer to may popular reward programs such as Aeroplan®, Marriott Bonvoy®, and more.
* Perfect for new Canadians and first time cardholders.
* Amazing for students, young professionals, and foodies.

Earning Points Rate

* You’ll earn 5x points per $1 on restaurants, groceries and food delivery in Canada up to $2,500 a month
* 2x points per $1 on Gas, Transit & Ride Share
* 1x points per $1 on everything else.

Sign-Up Bonus

1,250 points per month when you spend $750 a month for the first year.
That’s 15,000 points in your first year on top of your regular spending.

Fee

$12.99 Monthly fee, which pays for itself quickly if you’re spending on food & drinks.

Earning Example

🍕 Spend $1,000/month on groceries and dining = 5,000 points/month
🚗 Spend $375/month on gas = 750 points/month
Add 1,250 monthly bonus points

📈 That’s 7,000 points a month, or 84,000 points in a year, which is enough for several round-trip flights within North America, a round trip to Europe or multiple hotel nights.

Best Current Welcome Offers
Meeting Minimum Spend

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